Peer Analysis

FIRST FINANCIAL BANCORP. (NASDAQ - FFBC)

Data for trailing four quarters

For the definition of a financial field, select the field name below.

Performance Ratios (%)		FFBC	Peer Median	Peer Average
	ROAA	1.02	0.98	0.28
	ROAE	8.98	8.61	(16.45)
	Net Interest Margin	4.26	3.66	3.57
	Efficiency Ratio	59.02	64.46	68.84
	Loans / Deposits	81.65	81.15	80.15

Asset Quality Ratios (%)
	NPAs / Assets	1.40	2.05	2.88
	NCOs / Avg Loans	0.65	0.62	1.06
	Reserves / Loans	2.37	1.78	2.25
	Reserves / NPAs	105.16	56.85	69.64

Capital Ratios (%)
	Tier 1 Capital	15.87	13.59	12.47
	Tangible Equity / Tangible Assets	9.60	9.12	8.18
	Total Equity / Total Assets	11.05	10.45	9.50

Market Ratios
	Price / Earnings (x)	14.44	11.85	12.11
	Price / Book (%)	131.34	103.32	107.15
	Dividend Yield (%)	6.05	2.55	2.49

First Financial Bancorp.'s peer group consists of the following: 1st Source Corporation (SRCE), Community Bank Shares of Indiana, Inc. (CBIN), Fifth Third Bancorp (FITB), First Citizens Banc Corp (FCZA), First Financial Bancorp. (FFBC), First Financial Corporation (THFF), First Merchants Corporation (FRME), FirstMerit Corporation (FMER), German American Bancorp, Inc. (GABC), Horizon Bancorp (HBNC), Huntington Bancshares Incorporated (HBAN), Indiana Community Bancorp (INCB), Integra Bank Corporation (IBNK), KeyCorp (KEY), Lakeland Financial Corporation (LKFN), LNB Bancorp, Inc. (LNBB), MainSource Financial Group, Inc. (MSFG), Midwest Banc Holdings, Inc. (MBHIQ), Monroe Bancorp (MROE), NB&T Financial Group, Inc. (NBTF), Ohio Valley Banc Corp. (OVBC), Old National Bancorp (ONB), Park National Corporation (PRK), Peoples Bancorp Inc. (PEBO), SB Financial Group, Inc. (SBFG), Tower Financial Corporation (TOFC), United Bancorp, Inc. (UBCP), United Bancshares, Inc. (UBOH)

First Financial Bancorp.'s financial data is as of 3/31/2013.

Peer financial data is as of 3/31/2013 except for these companies:

Indiana Community Bancorp's financial data is as of 6/30/2012.
Integra Bank Corporation's financial data is as of 3/31/2011.
Midwest Banc Holdings, Inc.'s financial data is as of 3/31/2010.
Monroe Bancorp's financial data is as of 9/30/2010.